<?xml version="1.0" encoding="utf-8"?><!DOCTYPE Zthes SYSTEM "http://zthes.z3950.org/xml/zthes-05.dtd">  <Zthes><term><termId>31302698</termId><termName>borrowers</termName><termType>PT</termType><termNote><![CDATA[ People who take a thing on loan, security, or credit. Examples are those who use library materials on a loan basis. ]]></termNote><termCreatedDate>2026-03-30 20:21:24</termCreatedDate><relation><relationType>UF</relationType><termId>31302699</termId><termName>borrower</termName><termType>ND</termType></relation><relation><relationType>BT</relationType><termId>31298461</termId><termName>people by activity</termName><termType>PT</termType></relation></term>  </Zthes>